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Chase Sapphire Preferred® Card vs Premier Rewards Gold Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Premier Rewards Gold Card from American Express, a points charge card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95, while the Premier Rewards Gold Card has a Introductory annual fee of $0 for the first year, then $195.

Charge Card vs Credit Card: Chase Sapphire Preferred® Card is a credit card while Premier Rewards Gold Card from American Express is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Chase Sapphire Preferred CardPremier Rewards Gold Card from American Express
 Apply NowApply Now
 

Chase Sapphire Preferred® Card

Premier Rewards Gold Card from American Express

 Personal Credit CardPersonal Charge Card
 
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APR17.74% to 24.74% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR17.74% to 24.74% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$0 Intro Annual Fee for the First Year, then $95Introductory annual fee of $0 for the first year, then $195
 

Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®Introductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Travel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: Earn 3X points for flights booked directly with airlines.
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsPoint Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwidePoint Rewards: 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
Airline Status Airline Status: $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
Gas Rewards Gas Rewards: Earn 2X points at US gas stations.
Grocery Rewards Grocery Rewards: Earn 2X points at US supermarkets.
Dining RewardsDining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwideDining Rewards: Earn 2X points at US restaurants.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 Chase Sapphire Preferred CardPremier Rewards Gold Card from American Express
Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $0 Intro Annual Fee for the First Year, then $95
  • No intro APR
Pros:
  • Promotional points offer
  • Airline fee credit
  • 3x points for flights booked directly with airlines. Terms Apply.
Cons:
  • $0 Intro Annual Fee for the 1st year, then $195
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewGood rewards card for cardholders who fly frequently or eat out... Read full review
 Apply NowApply Now
What Others View

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    Which is Better: Chase Sapphire Preferred or Premier Rewards Gold Card?

    Still need help deciding which points card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Preferred or Amex EveryDay.


    Explore Chase Sapphire Preferred® Card In-Depth


    Explore Premier Rewards Gold Card from American Express In-Depth

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      Disclaimer: The information for the The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


    Compare Chase Sapphire Preferred to:

    Capital One Venture

    Capital One® Venture® Rewards Credit Card

    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    14.74% - 24.74% (Variable)
    Annual Fee
    $0 intro for first year; $95 after that
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 24.74% Variable
    Annual Fee
    $450
    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550

    Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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    Compare Premier Rewards Gold Card to:

    Blue Cash Preferred
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 12 months
    0% on Balance Transfers for 12 months
    14.74% - 25.74% Variable
    $95

    Gold Delta SkyMiles
    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.49% - 26.49% Variable
    $0 introductory annual fee for the first year, then $95


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